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All Journal Jurnal Ekonomi Pembangunan IQTISHODUNA JEJAK Jurnal Ilmiah Mahasiswa FEB Journal of Indonesian Applied Economics Journal of Innovation and Applied Technology International Journal of Local Economic Governance PROFIT : Jurnal Administrasi Bisnis Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Peuradeun Al-Muzara'ah Journal of Socioeconomics and Development Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ilmiah Akuntansi dan Bisnis KAIBON ABHINAYA : JURNAL PENGABDIAN MASYARAKAT International Journal of Zakat (IJAZ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service Munaddhomah: Jurnal Manajemen Pendidikan Islam Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Islamiconomic: Jurnal Ekonomi Islam el-Jizya: Jurnal Ekonomi Islam Journal of International Conference Proceedings Jeksyah Journal of Business, Social and Technology Journal of Business on Hospitality and Tourism Enrichment: Journal of Multidisciplinary Research and Development Journal of Development Economic and Social Studies (JDESS) Islamic Economics and finance in Focus (IEFF) Scientific Development Journal Global Economic, Social, and Development Review (GESDR)
Marlina Ekawaty
Department Of Economic, Faculty Of Economic Dan Business, Universitas Brawijaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Pengaruh Faktor Internal & Faktor Eksternal Terhadap Pemahaman Masyarakat Muslim Kota Surabaya Pada Wakaf Uang Muda, Anggi Wahyu; Ekawaty, Marlina
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Besarnya  peran  wakaf  sebagai  sumber  dana  ummat  Islam  pada  masa  lalu  dan  rendahnya realisasi wakaf uang yang berhasil dihimpun BWI berbanding potensinya di Indonesia mendorong dilakukannya penelitian ini. Penelitian ini bertujuan untuk mengetahui pemahaman masyarakat Muslim kota Surabaya terhadap wakaf uang serta pengaruh faktor internal dan faktor eksternal terhadap pemahaman tersebut. Dengan menggunakan analisis regresi berganda, hasil penelitian menunjukkan bahwa mayoritas masyarakat Muslim kota Surabaya tidak faham terhadap wakaf uang. Faktor internal yang berpengaruh terhadap pemahaman masyarakat Muslim kota Surabaya pada wakaf uang adalah variabel pengetahuan agama, sedangkan faktor eksternalnya adalah akses media informasi.   Kata kunci: Pemahaman Masyarakat, Faktor Internal, Faktor Ekstenal, Wakaf Uang    
PENGARUH DANA PIHAK KETIGA, NON PERFORMING FINANCING, GOOD CORPORATE GOVERNANCE, RETURN ON ASSET, DAN CAPITAL ADEQUACY RATIO, TERHADAP DEBT FINANCING (Studi Pada Bank Umum Syariah Di Indonesia) Gularso, Yhunas Adi; Ekawaty, Marlina
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini bertujuan menganalisis pengaruh dari Dana Pihak Ketiga, Non Performing Financing, Good Corporate Governance, Return On Asset, dan Capital Adiquacy Ratio terhadap produk debt financing yang disalurkan oleh bank umum syariah di Indonesia. Periode penelitian dimulai dari tahun 2010 hingga tahun 2013,  bank yang menjadi sampel sebanyak 9 bank dari populasi 11 bank dengan metode  purposive sampling. Teknik analisis data mengggunakan analisis regresi data panel. Hasil regresi data panel menyebutkan bahwa NPF, GCG, ROA, CAR memiliki pengaruh namun tidak signifikan, hal tersebut disebabkan  dari sisi NPF, bank syariah telah mampu menerapkan prinsip kehati-hatian dalam  melakukan penyaluran debt financing sehingga pengaruh naik turunnya NPF terhadap debt financing tidak terlihat secara signifikan, kemudian dari sisi GCG disebabkan tolok ukur dalam penilaian tersebut bukan ditujukan kepada masyarakat yang mengajukan pembiayaan melainkan menjadi tolok ukur investor sehingga naik turunnya komposit GCG memberikan pengaruh yang tidak signifikan, dari sisi ROA karena peningkatan profitabilitas dalam mengelola dana yang dihimpun tidak dialami oleh setiap bank dan setiap tahun sehingga pengaruh ROA terhadap debt financing tidak cukup besar,  dan dari sisi CAR diduga karena modal tersebut digunakan untuk meng-cover risiko pembiayaan dan juga mengindikasikan bahwa bank mampu mengelola modalnya untuk aktivitas produktif yakni pembiayaan meskipun pengaruhnya tidak cukup besar. Berbeda dengan  DPK yang memiliki pengaruh positif dan signifikan terhadap penyaluran debt financing. Hal ini mengindikasikan bahwa Bank Umum Syariah (BUS) telah memanfaatkan dana yang dihimpun dari masyarakat untuk disalurkan kembali pada masyarakat dalam bentuk produk Debt Financing.  Kata kunci: Dana Pihak Ketiga (DPK), Non performing Financing (NPF), Good Corporate Governance (GCG), Return On Asset (ROA), Capital Adequacy Ratio (CAR), Debt Financing  
ANALISIS DETERMINASI PEMAHAMAN PEMILIHAN PERBANKAN OLEH MASYARAKAT PONDOK PESANTREN LIRBOYO KOTA KEDIRI JAWA TIMUR (Studi Kasus Pondok Pesantren Lirboyo Kota Kediri) Husadatama, Galuh; Ekawaty, Marlina
Jurnal Ilmiah Mahasiswa FEB Vol. 4 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Penelitian   ini   bertujuan   menganalisis   Determinasi Pemilihan Perbankan Oleh Masyarakat Pondok Pesantren Lirboyo di Kota Kediri Jawa Timur.  Periode  penelitian  dimulai  pada tahun 2014, pada masyarakat pondok pesantren yang menjadi sampel sebanyak 87 responden  dengan metode  purposive  sampling.  Teknik  analisis  data mengggunakan  analisis  logit regresi.  Hasil logit regresi menyebutkan  bahwa   akses media informasi (cetak, elektronik) terhadap pemilihan jenis bank mempunyai pengaruh negatif. Artinya semakin tinggi akses media informasi baik cetak maupun elektronik, maka peluang responden memilih perbankan syariah akan berkurang. Hasil penelitian tidak dapat membuktikan adanya pengaruh pemahaman terhadap bank syariah dengan pemilihan jenis responden. Hal ini karena walaupun responden memiliki pemahaman mengenai produk bank syariah dengan baik kepatuhan beragama tidak berpengaruh terhadap pemilihan jenis bank. Ponpes Lirboyo sendiri mengenai konsep bunga bank dapat dilihat dari pernyataan KH Idris Marzuki yang merupakan pengasuh Ponpes Lirboyo Kota Kediri, menjelaskan mengenai Fatwa MUI tentang bunga bank melalui Rabitha Maahidil Islamiyah (RMI) sudah mengeluarkan tiga opsi tentang bunga bank. Hasil penelitian pada usia terhadap pemilihan jenis bank dapat dikatakan semakin matang usia responden dan yang mengindikasikan semakin baiknya tingkat keagamaan responden akan mempengaruhi responden untuk memilih perbankan syariah. Hasil penelitian pada jarak tidak berpengaruh terhadap pemilihan jenis bank. Hal ini terjadi karena walaupun jarak suatu bank tersebut dekat dengan lokasi tempat tinggal masyarakat, namun jika tidak sesuai dengan keinginan  masyarakat  tersebut,  maka  mereka  tidak  akan  menggunakan bank  tersebut.  Hasil penelitian pada  pendidikan tidak berpengaruh terhadap pemilihan jenis  bank. Hal  ini  karena kebutuhan perbankan tidak dipengaruhi oleh pendidikan seseorang, namun lebih dipengaruhi oleh kebutuhan  masyarakat akan  jasa  perbankan tersebut.  Hasil  penelitian pada  rekan  kerja  akan memberikan pengaruh baik  secara  langsung maupun tidak  langsung kepada  rekan  bisnisnya. Pengaruh langsung  seperti  halnya  kemudahan dalam  bertransaksi,  sedangkan pengaruh  tidak langsung tercermin dari tindakan rekan kerja.  Kata    kunci: Determinasi, Perbankan,  Akses  Media  Informasi,    Pemahaman Bank  Syariah, Kepatuhan Beragama, Usia, Jarak Perbankan, Pendidikan, Perbankan Rekan Kerja  
HALAL INTEGRITY AND COMPETITIVE INTELLIGENCE IN ENHANCING HALAL HOTEL STRATEGY IMPLEMENTATION Nugroho, Moh Agus; Manzilati, Asfi; Ekawaty, Marlina; Badriyah, Nurul
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 11 No. 2 (2025): JULY - DECEMBER 2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v11i2.72724

Abstract

The rising popularity of halal tourism in Indonesia has led to have stronger competition among hotels aiming to attract to have Muslim travelers. Various challenges in implementing to have Halal Integrity (HI) and Competitive Intelligence (CI) are found to have frequently, especially within the components that form to have their Halal Tourism Innovation Strategy (HTIS). In this study, the focus is to have on exploring to have how the Halal Orientation Strategy (HOS) influences to have and impacts to have HTIS. A total of 310 questionnaires were distributed to have to managers of halal hotels in Indonesia, and quantitative analysis was conducted to have using SmartPLS on 271 responses that were validated to have and confirmed to have as valid.  According to the findings, HOS is to have the key mediating factor that connects to have HI and CI—both to one another and to HTIS. While HI promotes to have the implementation of halal principles, CI helps to have hotels stay to have informed about industry trends and competitor movements. By combining to have the strengths of CI and HI, HOS facilitates to have a more effective development and implementation of HTIS, ultimately giving to have halal hotels a stronger competitive position in the market. The findings suggest to have that halal hotels need to utilize to have CI in order to understand to have consumer preferences and market competition more effectively, while simultaneously strengthening to have their own HI through strict adherence to established halal practices. Hotel management also must devise to have HOS-based strategies that incorporate to have halal values into every aspect of their operations, thereby enhancing to have the overall effectiveness and efficiency of HTIS.
Ekonomi Islam dan Keadilan Sosial dalam Implementasi Sistem Ekonomi Syariah Mengurangi Ketimpangan Sosial di Negara Berkembang: Tinjauan Sistematis Ekawaty, Marlina; Jumiyanti, Kalzum
el-Jizya : Jurnal Ekonomi Islam Vol. 13 No. 2 (2025): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v13i2.14930

Abstract

Social inequality in developing countries remains a major challenge despite various economic interventions that have been made. This study aims to evaluate the role of Islamic economic systems in promoting social justice and reducing social inequality through a systematic review approach. This study uses the Systematic Literature Review (SLR) method for scientific publications for the period 2020–2025, with thematic analysis and visualization techniques using VOSviewer. The results of the study show that Islamic economic instruments such as zakat, waqf, and infaq have a significant contribution to wealth redistribution, community empowerment, and the achievement of the Sustainable Development Goals (SDGs). The findings indicate that the application of Islamic economics is effective in reducing inequality if supported by good governance and inclusive policies. This research confirms the importance of value-based economic systems for social justice and encourages follow-up studies that empirically test the effectiveness of Islamic economic implementation in various local contexts.
THE EFFECT OF ZAKAT ON THE CONSUMPTION OF MUSTAHIK HOUSEHOLDS (A STUDY OF ZAKAT RECIPIENTS FROM BAZNAS IN PROBOLINGGO CITY) Nurlita, Elok; Ekawaty, Marlina
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 3 No. 2 (2017): JULI-DESEMBER 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3734.969 KB) | DOI: 10.20473/jebis.v3i2.6329

Abstract

This article aims to analyze the effect of zakat directly and indirectly on household consumption of mustahik. The approach of this research is quantitative. Data obtained from 50 mustahik (receiver of zakat) BAZNAS Probolinggo Municipality with Proportional Random Sampling method and analyzed by Path Analysis. The results showed that zakat and the number of household members directly and indirectly affect the household consumption of mustahik. Furthermore, household income as an intermediate variable also affects the household consumption of mustahik, whereas education and age have no effect on the household consumption of mustahik, either directly or indirectly.Keywords: Poverty, Consumptive Zakat, Productive Zakat, Household Consumption, BAZNAS Probolinggo Municipality.
The Influence of Investments, Education, Health, Labor Force Participation Rate, and Covid-19 Pandemic on Poverty In Java for the 2013-2023 Period Damayanti, Silmi Annisa; Ekawaty, Marlina
Journal of Development Economic and Social Studies Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jdess.2026.05.1.13

Abstract

Java Island continues to face high poverty levels, with 13.62 million people living in poverty in 2023. This study analyzes the effects of investment, education, health, the Labor Force Participation Rate (LFPR), and the Covid-19 pandemic on poverty in six provinces of Java during 2013–2023 using panel data regression with the Fixed Effect Model (FEM) and robust standard errors. The results show that education and LFPR have a negative and significant effect on poverty, while health has a positive and significant effect. Investment has a negative but insignificant effect, indicating unequal distribution. The Covid-19 pandemic significantly increased poverty levels. These findings highlight that poverty alleviation policies should focus on improving education quality, expanding employment opportunities, ensuring more equitable investment distribution, and strengthening inclusive health services. In addition, adaptive social protection systems are required to anticipate external shocks such as pandemics.
Beyond Financial Inclusion: Digital Transformation and the Redistribution of Prosperity in the Islamic Economy Ekawaty, Marlina; Hanafiansyah, Mochammad Rizki
Jurnal Ekonomi dan Bisnis Digital Vol. 5 No. 1 (2026): January 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v5i1.16136

Abstract

This study aims to analyze the development of digital transformation in the Islamic economy over the past decade, its contribution to accelerating prosperity distribution in Indonesia, as well as the opportunities and challenges encountered. Digital transformation has been proven to play a vital role in improving financial inclusion, operational efficiency, and global competitiveness, particularly in Islamic banking, halal industries, zakat management, and mosque transformation. The research employed a systematic literature review of ten scholarly articles related to the digitalization of the Islamic economy. The analysis identified the patterns of development, contributions, opportunities, and challenges highlighted by each study. The findings reveal that digitalization drives economic growth, strengthens zakat redistribution, enhances halal industry competitiveness, and expands the socio-economic role of mosques. However, challenges such as regulatory uncertainty, low digital literacy, and cybersecurity risks remain major barriers. In conclusion, digital transformation serves as both a growth engine and a catalyst for equitable prosperity distribution within the Islamic economy.
From Redistribution to Social Justice: A PRISMA-Based Systematic Review of Islamic Social Finance and Welfare Outcomes in Developing Countries Ekawaty, Marlina; Hanafiansyah, Mochammad Rizki
Side: Scientific Development Journal Vol. 3 No. 1 (2026): Side: Scientific Development Journal
Publisher : Arbain Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/vjad9a95

Abstract

Islamic economics emphasizes social justice and equitable welfare distribution as core normative objectives, particularly through zakat, waqf, and Islamic social finance instruments. However, empirical findings on their effectiveness remain fragmented across institutional, social, and governance contexts. This study aims to systematically examine the role of Islamic social finance in promoting social justice, redistribution, and welfare. This research adopts a Systematic Journal Review approach by synthesizing peer-reviewed qualitative and quantitative studies published in reputable national and international journals. Articles were selected based on relevance, methodological rigor, and empirical focus on Islamic social finance and welfare outcomes. The findings indicate that zakat, waqf, and related instruments significantly contribute to poverty alleviation, welfare improvement, and economic empowerment. Quantitative evidence confirms statistically significant relationships between Islamic social finance distribution and welfare indicators, although governance constraints may weaken direct impacts in certain contexts. Qualitative studies highlight the importance of institutional accountability, digital integration, and productive financing models in enhancing redistributive effectiveness. In conclusion, Islamic social finance constitutes a viable and multidimensional mechanism for advancing social justice and welfare, provided it is supported by robust governance and strategic institutional integration.
Village Development Inequality in Indonesia: Mapping the Influence of Human Capital and Village Funds Hakim, Lukman; Rizaldi, Muhammad; Suman, Agus; Ekawaty, Marlina; Riza, Akmal; Zhahirah, Nasywa
Jurnal Ilmiah Peuradeun Vol. 14 No. 1 (2026): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v14i1.1307

Abstract

Village-level development disparities remain a persistent challenge in Indonesia's broader economic progress. This study aimed to map and analyze regional disparities in village development across 33 provinces in Indonesia from 2018 to 2022, using the Village Development Index (VDI) as a proxy. Employing descriptive statistical analysis and spatial mapping, the study examined the roles of two key factors: human capital, measured by the Human Development Index (HDI), and fiscal transfers, proxied by the Village Fund. The findings revealed that provinces in Java generally achieved higher VDI scores compared to those outside Java, with Bali as a notable exception. The disparities were influenced by the quality of human resources, accessibility to basic services, proximity to economic centers, and the effectiveness of Village Fund management. The study underscored the importance of strengthening human capital, improving governance in fund allocation, and addressing structural inequalities to promote more equitable and sustainable village development. These insights offer valuable implications for national policy and contribute to broader discussions on inclusive development strategies in emerging economies.
Co-Authors Adela Putri Oktavia Agus Suman Ahmad Syaifudin Ajeng Kartika Galuh Akmal Riza Al Jihad, Hizbullah Alghifary, Muhammad Syauqy Alvira Aina Amalia Rahmawati Aminnullah Achmad Muttaqin Aminullah Achmad Muttaqin Amrullah, Muhammad Angga Yanuar Triesmarandita Anggi Wahyu Muda Anggraini, Ika Khusnia Annisa Nur Rakhma Annisa Nurjannah Anugrah Pratama, Muhammad Akbar An’im Kafabih Arifiandy, Dicky Ridho Asfi Manzilati Atiqa Syaksena Azizi, Naurah Nadzifah Aziziah, Alvina Bela, Nabela Agustin Damayanti, Silmi Annisa Debby Radina Herdiastiti Debby Radina Herdiastiti, Debby Radina Dewa Aditya Duyufur Rohman, Ghifary Dwi Budi Santoso Dwi Budi Santoso Elok Nurlita Emy Sudarwati Fajrul Ihsan Fathurahman, Mochamad Arbi Ferry Prasetyia Fifi Bahril Wahdah Majid Galuh , Ajeng Kartika Galuh Husadatama Galuh Husadatama, Galuh Girindra Mega Paksi Gularso, Yhunas Adi Hakimi Mohd Shafiai, Muhammad Haliza Vita Humahira Hanafiansyah, Mochammad Rizki Hela, Syafina Helmy Aulia Rachman Iswan Noor Ittaqa Ramadhian Pranowo Jean Claire Nicolette Matatula Jumiyanti, Kalzum Kafabih, An’im Kartika Galuh, Ajeng Kartika Sari Kartika Sari Khairani Miftahul Kresna Sakti, Rachmad Laily, Alfauzia Noer Rochmatul Lukman Hakim M. Umar Burhan Misbakhul Munir Mochammad Zainun Nafi'uddin Moh Agus Nugroho Muda, Anggi Wahyu Muda, Anggi Wahyu Muhammad Amrullah Muhammad Amrullah Muhammad Muhyiddin Robani Multifiah . Munawar Ismail Napitupulu, Febiola Nely Novia Nely Novia Novia, Nely Nugroho, Gabryna Auliya Nurhayati, Yetty NURKARTIKASARI, RIZKY Nurlita, Elok Nurul Badriyah Panggabean, Krisfive Yanti Partin Nurdiani Partin Nurdiani, Partin Prahara, Rahma Sandhi Prayitno, Hengky S.H. Pudjihardjo Pudjihardjo Pudjihardjo, Pudjihardjo Puspitasari, Diyah Ayu Qodri, Lutfi Asnan Rahmadyanto, Bagus Rizaldi, Muhammad Rohman, Ghifary Duyufur Santi Merlinda Setyo Tri Wahyudi Setyowati RN, Wahyu Retno Sri Muljaningsih Sri Muljaningsih Sumantri, Vietha Devia Sagita Suryadi S, Lalu Susilo Susilo Susilo Susilo Syaksena, Atiqa Tabhina, Rafa Kayla Umar Burhan Umar Burhan, Umar Wahyu Retno Setyowati RN Widiyanti, Dwi Retno Widya Rahmawati Yetty Nurhayati Yhunas Adi Gularso Yudi Arimba Wani, Yudi Arimba Zhahirah, Nasywa